Free Daily Podcast Summary
The Stacking Benjamins Show: Daily Summaries Delivered
by Joe Saul-Sehy and Josh ‘OG’ Bannerman, CFP
Named Best Personal Finance Podcast by Bankrate.com and Kiplinger — and the only podcast the Plutus Awards retired from competition after winning twice — The Stacking Benjamins Show is personal finance that doesn’t put you to sleep.Hosts Joe Saul-Sehy (former 16-year financial advisor, ex-WXYZ-TV “Money Man”) and Josh “OG” Bannerman, CFP (Certified Financial Planner, Bannerman Wealth) sit around the card table in Joe’s mom’s half-finished basement in Texarkana and talk money with the smartest guests in personal finance, investing, and behavioral economics. As Fast Company wrote, the show “strikes a great balance of fun and functional.”Every Monday, Wednesday, and Friday: expert guests, real headlines, listener questions, and Doug’s trivia. Topics include investing, retirement planning, budgeting, real estate, behavioral finance, taxes, and financial independence — for anyone who wants to be smarter about money without being talked down to.Subscribe to The 201 — the free newsletter that goes deeper than the show — at stackingbenjamins.com/201
Latest Episodes
The most recent episodes — sign up to get AI-powered summaries of each one.
- 1 weeks ago1h 13m
Why Everyone Needs an Estate Plan (and How to Avoid a Surprise ACA Subsidy Bill) SB1916
Amy Wilson and her husband did nearly everything right on the road to financial independence, and the one task they kept postponing turned out to matter most. She shares what happened when a sudden loss met an unfinished estate plan, how she rebuilt her financial life on her own, and what she’d want you to do this week. Then Joe Saul-Sehy and OG explain how a change in IRS guidance can turn marketplace premium help into a bill for early retirees and side hustlers, with a quick round of income detective to show what counts.What You’ll Walk Away WithWhy “we’re married, so it all goes to each other” isn’t a planHow beneficiary designations and default rules can pull in different directions across accountsWhy your state already has an estate plan for you, and how to find out what it saysWhat mattered, and what didn’t, in the first hours after a lossWhether to do nothing with your money for a while or dive into the details, and how to tell which fits youWhat it’s like to go from saving to spending overnight, and why a money nerd hired an advisorThe small clues that told her an advisor was the right oneA simple allowance system that keeps spending steady and leaves room for big plansWhy advance premium help is an estimate, not a price guaranteeThe change that removed the cap on repayments, the income line that can cost you the entire credit, and what to recalculate before year-endWhy This Matters Now Plans get interrupted, and the paperwork we postpone is usually the paperwork that matters most. Year-end is when open enrollment arrives and good intentions pile up, which makes it a natural time to finish the estate documents and recheck your income estimate. If you worry about a mistake you can’t undo, this episode treats both as checklist items you can finish, not worries to carry around.From the Basement Doug’s trivia is about cacao beans as currency, which leads him to try paying for dinner at The Sizzler with a bag of chocolate chips. Then OG explains his Halloween policy of yogurt only, with a granola exception.Resources MentionedRepayment caps eliminated for excess advance payments of the Premium Tax Credit: IRS guidance on the changeQuestions and answers on the Premium Tax Credit: IRS answers on how reconciliation worksHealthCare.gov: where to update your income estimate with the marketplaceCamp FI: in-person gatherings for the financial independence community, where Amy is a regularSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
- 1 weeks ago51 min
How to Turn Trick-or-Treat Into a Money Lesson (and Choose a Pension Option) SB1915
How to Turn Trick-or-Treat Into a Money Lesson (and Choose a Pension Option)One doorstep each Halloween becomes a lesson in risk, reward, and generosity, and one listener believes it helped him land a job. Chuck Jaffe walks through the cash-or-candy game he’s refined over the years, including this year’s twist, and how to run a version whether you get a hundred trick-or-treaters or six. Then Joe Saul-Sehy and OG take a question from a listener with a military pension: how to weigh the survivor benefit, why the choice can’t be changed later, and what to ask before you sign. It’s a lighthearted start and a practical finish.What You’ll Walk Away WithThe simple cash-or-candy trade that turns a doorstep into a lesson on risk and rewardWhy kids who never think about money will happily do the math when it’s a gameHow the game changes every year, including the lottery option and a choice that lets kids give something awayHow to run a version with a handful of trick-or-treaters and a few envelopesWhy the dollar bill is the worst deal on the table, and why plenty of kids still take itHow a doorstep wave turned into a jump start on the way to a job interviewWhat a pension survivor option actually means, in plain termsHow to compare a reduced pension against buying your own insuranceWhat a “pop-up” provision is, and which questions to ask the pension office about a spouse’s health coverageWhy a pension choice deserves far more research than picking a fundWhy This Matters Now Some of the best money lessons are low-stakes enough for a fourth grader, and some of the biggest decisions are high-stakes enough that you only get one try. Both reward thinking early. If you worry about making a choice you can’t undo, or you want to give the kids in your life a calm, fun way to learn about money, this episode covers both ends of that range.From the Basement The basement debates candy corn versus Kit Kats, while OG volunteers to hand out Greek yogurt to trick-or-treaters. Doug’s trivia introduces a mule named Kevin and an Erie Canal that paid for itself in a year.Resources MentionedSurvivor Benefit Plan: Military OneSource’s overview of the military survivor benefitMoney Life with Chuck Jaffe: Chuck’s daily podcast, wherever you listenSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
- 1 weeks ago1h 12m
How to Change Your Money Plan When Your Goals Change (Without Starting Over) SB1914
You build a plan around a goal, the goal changes, and the spreadsheet keeps marching toward the old one. Joe Saul-Sehy and a roundtable of regulars, joined by Financial Bliss Coach Kelley Long, CFP, ask what happens when the house, the career, or the family you saved for stops being the life you want. They play a game of keep it, kill it, or change it, then get practical about the real invoice for changing course: cash runways, taxes, selling while markets are down, and the stubborn pull of sunk costs. You’ll also hear why staying put has a price of its own.What You’ll Walk Away WithA three-card game (keep it, kill it, change it) applied to a house the kids have outgrown, a plan built around children that no longer applies, and a career plan with a countdownWhy people regret never questioning a goal far more than missing it, and what a story from base camp has to do with itHow to tell whether you want to stop working or just want out of a job you’ve outgrown, a lot like mistaking thirst for hungerThe “invoice” for changing course, and the fixed expenses worth covering for a year while you figure it outA test-drive trick that lets you feel a change before you make itA way to compare a big decision by taking the money out first and asking what you’re really tradingWhat to do when you need cash and your investments are downWhy a big tax bill can be worth paying, and what happens when a rule of thumb swallows the reason behind itSunk cost versus switching cost, and why only one of them is a feelingThe “too small blanket” problem, and the flexibility you can build in from the startWhy This Matters Now Most of us spend plenty of energy checking whether we’re on track, and very little asking whether we still want to go where the track leads. If you worry about a change you can’t undo, or you’ve outgrown a plan you built with good intentions, this conversation treats changing your mind as a cost you can plan for. Getting good with money was never about living yesterday’s life more efficiently. It was about having more choices tomorrow.From the Basement Joe reports that his new tendon came from an Olympian, at his request, and that standing up is now a major athletic event. Doug’s trivia is a cautionary tale about the worst side hustle ever pitched, and the Detroit Lions provide a live demonstration of a plan with an Achilles heel.Resources MentionedFinancial Bliss Coach: Kelley Long’s coaching practice, with links to her podcast and bookBut Who Will Take Care of You When You’re Old? Financial Planning for People Without Kids by Kelley Long: her forthcoming book on planning without childrenLynda Gratton: What If You Live to 100? Here’s How to Actually Plan For It: our conversation on the hundred-year lifeSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
- 2 weeks ago1h 13m
Wharton’s Corinne Low on How to Get More Life Out of Your Money, Time, and Career SB1913
Most of us are optimizing a number, whether it’s a retirement balance or a job title, and almost never stop to ask what it’s for. Wharton economist Corinne Low measures how people really trade time, money, and love, and she has a short exercise that shows how little of your ideal life depends on that number. Joe Saul-Sehy and guest co-host Anna Allem, CFP, put her ideas to work on careers, partnerships, and the awkward conversations in between. You’ll hear why a house can act as insurance in a marriage, why your job won’t love you back, and how to walk into a hard conversation holding real leverage.What You’ll Walk Away WithA two-minute exercise that shows what your money is actually forWhy almost nobody in that picture is working long weeks, and what that says about your calendarWhat economists mean by “utility,” and why it’s richer than happinessThe case for “having it almost,” and why dropping perfect can raise satisfactionBATNA, a negotiation term worth knowing, and how to build yours before a hard conversation at work or at homeThe coin flip study: why people nudged out of a stuck situation ended up happierWhy buying a home can act as insurance in a partnership, and who that lets take a step backWhy your job is a tool for converting time into money, and why that’s good newsQuick-fire answers on splitting bills 50/50, who gets the last word on big purchases, and whether prenups are only for the wealthyOne thing to put on your calendar this week that makes you richer without earning a dollarWhy This Matters Now Most of us are working hard toward a finish line we’ve never described out loud. That makes it easy to keep climbing, keep saving, and keep wondering why the finish line keeps moving. If you worry about making a move you can’t undo, or you feel like everyone else got a rulebook you missed, this conversation is a friendly way to decide what you’re building before you build more of it.From the Basement Doug reveals that Mrs. Neighbor Doug exists, which stuns everyone in mom’s basement, and then explains why Joe’s mom’s negotiating style involves a threat to cancel the shrimp appetizer at The Sizzler. Joe also shares a story about a rare Venetian grape that only thrives because of stress.Resources MentionedCorinne Low at Wharton: faculty page with her researchHaving It All: What Data Tells Us About Women’s Lives and Getting the Most Out of Yours: Corinne Low’s book, in paperback“Collateralized Marriage” and “Winning the Bread and Baking It Too”: two of her research papers discussed in the interviewSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
- 2 weeks ago1h 1m
Year-End Money Moves: Student Loan Savings, Roth Conversions, and Disability Insurance SB1912
Some of the best money moves of the year come with a deadline most people never notice. A student loan rate can drop by a full percentage point with one setup step. A window may be open to move retirement money with little or no tax. A gap in your income protection can sit unnoticed until a claim gets denied. Joe Saul-Sehy and guest co-host Anna Allem, CFP, sort the urgent from the merely interesting, using a caller’s real insurance dilemma, a family college decision, and a ringside look at the market’s worst Mondays. It takes a free hour before the calendar flips and no finance degree.What You’ll Walk Away WithThe deadline that got pushed back, and the one setup step that trims a student loan rate by a full pointWhy one point off a rate is a bigger win than it soundsWhat to check first if your repayment plan changed without you doing anythingA simple way to show a student what a college choice will cost after graduation, using real salary dataThe question one family asked a kid before agreeing to the pricier schoolWhy a year-end Roth conversion deserves a look from some savers, and the Medicare premium surprise to understand before you try itWhat an insurer does when a condition is already on your record, and why shopping around won’t change itHow to map the “crater” a lost income would leave, and when that math says you can skip the policyThe employer route that can quietly solve a coverage problemWhich of three famous Black Mondays hit hardest, and when a mutual fund trade really happensA starting point for someone new to saving, military families included, that begins smallWhy This Matters Now Year-end is when quiet deadlines pile up and good intentions slip. You don’t need to master everything on the list. You need to know which items are time-sensitive, which can wait, and which you can cross off. If you worry about making a move you can’t undo, or feel behind because you haven’t looked at your plan lately, this is a low-pressure way to catch up.From the Basement Doug turns the trivia into a title bout, with boxing legends and a bowl of queso that did not survive the match. He also makes a Trans Am joke that nobody else in mom’s basement gets.Resources MentionedEducation Department Extends 1% Student Loan Auto-Pay Cut: The College Investor on the extended deadlineStacking Benjamins Guides: HR and benefits, college planning, and taxesOccupational Outlook Handbook: Bureau of Labor Statistics salary and job data for comparing majorsThe MILMO Show: Lacey Langford’s podcast on money for military familiesGet a Financial Life by Beth Kobliner and The Simple Path to Wealth by JL Collins: the two books recommended for new saversAsk a question for the showSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
- 2 weeks ago1h 3m
How to Build a Career You Won’t Regret (Before You Climb the Wrong Ladder) (SB1911)
See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
- 3 weeks ago1h 1m
Harvard’s Robert Waldinger on What to Spend Your Money and Time On to Be Happier SB1910
Ask a room of young adults what they want most from life and about eight in ten will say “get rich.” The longest scientific study of adult life, now following the children of its original participants, found something different about what pays off. Dr. Robert Waldinger leads the Harvard Study of Adult Development, and he explains why one kind of spending keeps making people happier long after a flashy purchase fades, why career achievement doesn’t predict a good life, and the habit he now treats the way he treats the gym. Along the way come a rundown of what SECURE 2.0 changed and a listener question about saving for retirement from overseas.What You’ll Walk Away WithWhat a generation named as its top life goal, and what the data says about chasing itThe kind of discretionary spending that keeps paying off in happiness, and the kind that doesn’tWhere money really moves the needle on wellbeing, and the point where it stopsWhy “happiness” is the wrong target, and what the researcher measures insteadWhat a couple from one of Boston’s poorest neighborhoods can teach about a rich lifeWhy introverts aren’t at a disadvantage, and whether purposeful friendships beat casual onesThe subway experiment: why strangers who were told to talk ended up happier than they predicted“Social fitness”: the weekly habit that works like exerciseA quick gratitude exercise for a bad mood, built around one question: what if I hadn’t had this?Why money you’ve set aside is retirement money even if the account doesn’t say soWhy This Matters Now Most of us keep score with a number. Waldinger’s research points to a more useful scoreboard: who shows up when it matters and whether your days have a purpose. If you’re saving diligently and quietly wondering whether you’re chasing the wrong things, or you feel behind every time you scroll past someone else’s highlight reel, this is permission to build the plan and the life at the same time, not one after the other.From the Basement This one comes out of the basement vault for Greatest Hits week. Doug’s trivia is about the first photograph ever taken of a person, a Paris street so busy that only two men holding still, a customer and a shoe shiner, made it into the picture. OG is also accused of being a curmudgeon, and he does not enjoy it.Resources MentionedRobert Waldinger: Dr. Waldinger’s site and TEDx talkThe Good Life: Lessons from the World’s Longest Scientific Study of Happiness: the book by Waldinger and Marc SchulzLifespan Research Foundation: the nonprofit Waldinger co-founded, with more on the studySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
- 3 weeks ago51 min
How to Fix Your 401(k): 25 Moves That Work Even If Your Plan Isn’t Great SB1909
Most people check their 401(k) the way they check a gas gauge: a glance, a shrug, and back on the road. Joe and OG pop the hood on the whole engine and work through 25 fixes, from a two-minute change to a phone call that could cut real money from your fees. The surprise is how many of them have nothing to do with your employer’s plan. A mediocre 401(k) can still do its job if the rest of your accounts pick up the slack, and the bar for “good enough” is lower than the internet makes it sound.What You’ll Walk Away WithThe one-percent move that takes two minutes, and why nobody ever misses it from a paycheckWhy risk tolerance quizzes start at the wrong end, and the math problem that should come firstHow often to rebalance, and the point where “rebalancing” quietly turns into market timingThe way almost everyone sorts their fund list, and why it nudges you into a bad habitHow to treat your accounts as one household portfolio when your 401(k) is lacklusterWhy getting more conservative as retirement nears can cost you years of compoundingA rule of thumb for company stock, and why your paycheck and your portfolio shouldn’t share the same riskWhat to do with an old 401(k) when you change jobs, and the rollover detail that makes the choice less permanent than it feelsWhat to ask your employer about fees and the match, politely and without withholding cupcakesA free tool for checking what your funds really costWhy This Matters Now Retirement accounts run on autopilot, which is both the feature and the trap. A plan set up years ago can still carry the fees and funds of that year, and the people paid to run it rarely volunteer that you’re overpaying. The good news is that none of this has a deadline, and one deliberate fix a year beats a panic overhaul. If you worry that one overlooked detail has quietly cost you money, this is a calm, checklist-style way to find it.From the Basement This one comes out of the basement vault for Greatest Hits week, so a stray reference or two may be hiding behind Joe’s mom’s water heater, but the fundamentals have held up. Doug’s trivia involves a founding father and a street sweeper, his chores keep multiplying, and his takeaway is to invest like it’s a Chicago election: early and often.Resources MentionedMorningstar: free fund research on fees and performance versus peersFieldKit Finance: a way to see how all your accounts fit togetherHeard it the first time? Tell Joe what you changed at joe@stackingbenjamins.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
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About The Stacking Benjamins Show
Named Best Personal Finance Podcast by Bankrate.com and Kiplinger — and the only podcast the Plutus Awards retired from competition after winning twice — The Stacking Benjamins Show is personal finance that doesn’t put you to sleep.Hosts Joe Saul-Sehy (former 16-year financial advisor, ex-WXYZ-TV “Money Man”) and Josh “OG” Bannerman, CFP (Certified Financial Planner, Bannerman Wealth) sit around the card table in Joe’s mom’s half-finished basement in Texarkana and talk money with the smartest guests in personal finance, investing, and behavioral economics. As Fast Company wrote, the show “strikes a great balance of fun and functional.”Every Monday, Wednesday, and Friday: expert guests, real headlines, listener questions, and Doug’s trivia. Topics include investing, retirement planning, budgeting, real estate, behavioral finance, taxes, and financial independence — for anyone who wants to be smarter about money without being talked down to.Subscribe to The 201 — the free newsletter that goes deeper than the show — at stackingbenjamins.com/201
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